Definitely keep your car. If they want it that bad, they'll work a deal for the same or lower payments, with full trade in. But if they're going to try and swindle a lower trade, and make you pay more, screw 'em!
You on a lease, or own? Now that I've got almost 3 years payments on my car, I'm about to refinance my lease, get a better APR, and hopefully lower payments to boot. Not sure if you can do something like that if you're paying to own, but might be worth looking into.
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